Real Experiences. Measurable Results. Lasting Relationships.
Pawnshop consulting testimonials provide firsthand insight into the practical results and lasting relationships created through trusted professional guidance.
For more than 26 years, Pawnshop Consulting Group has helped pawnshop owners, operators, investors and industry professionals strengthen businesses, solve difficult problems and make better-informed decisions.
These stories reflect the measurable results, trusted relationships and long-term partnerships that have developed while serving more than 600 clients across over 40 countries.
Featured Client Story
When a family tragedy left Richard Dan unable to operate Kamaaina Loan in Maui, Jerry Whitehead answered the call.What began as an urgent consulting engagement produced stronger systems, improved retail performance, more efficient inventory movement and pawn balances that more than tripled—but its greatest result was a lifelong friendship built upon trust, service and the Hawaiian spirit of ʻohana.
“Jerry Whitehead is the real deal in the pawn business. He brings experience, practical judgment and real results, and I recommend him without hesitation.”
Richard Dan — Kamaaina Loan, Maui, Hawaii
More Pawnshop Consulting Testimonials
PCG is currently gathering additional written and video testimonials from clients, colleagues and industry partners around the world. New stories will be added here as they become available, providing firsthand perspectives on PCG’s consulting, operational, financial, valuation, acquisition, management-development and executive-advisory services.
Client Experiences & Industry Endorsements
These pawnshop consulting testimonials share firsthand experiences from pawnshop owners and industry professionals who have worked with Pawnshop Consulting Group for practical guidance, operational insight and an experienced perspective on the challenges and opportunities facing their businesses.
Stan Lukowicz — President, Loyalty Pawn | Sacramento, California
Stan Lukowicz has worked with Jerry Whitehead and Pawnshop Consulting Group for nearly three decades while growing from a single pawnshop to managing eight locations. His experience with PCG has included in-store evaluations, leadership coaching, company-wide training, competitive market analysis and more than a decade of participation in PCG’s Executive Focus Group.
“I’m Stan Lukowicz from Sacramento, California. I have been in the pawn industry for nearly 35 years, growing from a single location to managing eight stores today, four of which operate under Loyalty Pawn.
Throughout the vast majority of that journey—spanning nearly three decades—I have relied on the expertise of Jerry Whitehead and Pawnshop Consulting Group, LLC.
We have utilized almost every service Jerry offers, from in-store evaluations and one-on-one leadership coaching to company-wide training and competitive market analysis. I have also been a proud member of his focus group for the past decade.
The insights I have received from Jerry and his team have been absolutely invaluable, driving our growth not only on a store-by-store basis, but on a personal level as well.
Jerry’s vast expertise and deep knowledge of the pawn industry are directly attributable to a significant portion of our success. Beyond the professional results, he has become a true friend to me and a trusted figure to my team.
If you are looking to take your business to the next level, I cannot recommend Jerry Whitehead and Pawnshop Consulting Group highly enough.”
Greg Twarowski — Owner, America’s Super Pawn | Sarasota, Florida
Greg Twarowski and America’s Super Pawn first engaged Pawnshop Consulting Group in 2010 as the company expanded from a single location into its second and third stores. PCG’s work has included operational consulting, financial analysis, KPI review and participation in PCG’s Executive Focus Group.
Greg credits the relationship with helping improve operational efficiency while providing access to a network of experienced pawn operators willing to share ideas, experience and perspective.
“Jerry brings years of experience in the pawn industry from his own ownership to having worldly current industry trends.”
Initially back in 2010, PCG was hired to evaluate our operational efforts during our expansion from a single unit to our 2nd and 3rd location.
PCG provided operational analysis, financial analysis and KPI review, and I’ve been a member of Jerry’s focus group from 2013 through 2017, and again 2025–present.
The result: greater operational efficiency and access to a network of other vested pawn operators willing to share and contribute.
Jerry has always been a wealth of knowledge and a trusted resource.
Scott Paulsen — Peninsula Pawn | Seaford, Delaware
Scott Paulsen and Peninsula Pawn first engaged Pawnshop Consulting Group after meeting Jerry Whitehead at the NPA Pawn Expo in 2012. An initial on-site consultation led to a series of operational recommendations that Scott and his team implemented as they worked to strengthen the business.
One recommendation required an especially large leap of faith. After implementing Jerry’s advice regarding Peninsula Pawn’s pawn program, Scott reports that the company’s pawn balance doubled during the following 12 months—and then doubled again during the next 12 months.
“We were blown away... and we also knew we were missing something.”
We met Jerry at the Pawn Expo in 2012. We had been open for about 6 years. We were new to the NPA. It was our first time at the Expo. We were blown away. We also knew we were missing something.
As we walked the trade show floor we happened by the PCG booth and Mr. Jerry Whitehead. We talked to him. He asked us questions. He was having his international symposium that fall in Grand Cayman. After much conversation Jerry thought we would get much more bang for our buck by having him come to us for an in person consultation. We asked about him from the few people we knew and everyone said HIRE HIM! And we did.
He came a few months later and advised us on changes we should make. We did them all over the next few months except one. We didn’t open on Sundays and never will!
Among his suggestions was expanding our pawn time or effectively cutting our prices in half. We didn’t do that right away. He said trust me. I did BUT... A few months later I called him and said “explain this to me again.” He did. In the next 12 months our pawn balance doubled. In the 12 months after that it doubled again. When I called him to to have him “explain it to me again” Jerry asked has everything else I told you to do worked? And the answer was YES and he said trust me this will too. And he was right.
We have Jerry come back for another visit to help us fine tune a few things.
I look back to the time before we hired PCG and have HUGE doubts we would still be open without his advice.
Since then we have petitioned and were accepted into the PCG Focus Group which has given us a different Lens to other pawn operations. It has opened my eyes to many different things and ways of thinking.
Scott later became a member of the PCG Executive Focus Group, which he credits with providing a different lens into other pawn operations and exposing him to new ideas, perspectives and ways of thinking.
Charles Fouche — Industry Endorsement
Charles Fouche has known Jerry Whitehead and followed the work of Pawnshop Consulting Group for more than 22 years. While Charles has not been a consulting client of PCG, his long-standing industry relationship with Jerry has provided him with a firsthand perspective on Jerry’s knowledge, accessibility and willingness to share his experience with others throughout the pawn community.
“A True Asset to the Industry.”
While I have never been an actual customer of PCG, I have benefited greatly from my association with Jerry Whitehead and PCG over the last 22 years. He has been a wealth of knowledge and has always responded back via text or phone to my questions or concerns.
His articles and posts on the pawn business are well versed and very accurate. His knowledge is vast and it is shared freely. A true asset to the industry. Anyone in this business should be following the PCG page.
These pawnshop consulting testimonials reflect the long-term relationships, measurable results and industry perspective that have defined PCG’s work with pawn business owners and professionals for decades.
Roman Milgram — A PCG Success Story Built on Trust and Results
For more than 15 years, Pawnshop Consulting Group has had the privilege of working with Roman Milgram, a longtime Oakland, California pawnbroker and valued member of the PCG family.
Following an intensive on-site operational consultation, comprehensive business review, and implementation of PCG’s recommendations, Roman achieved remarkable results. His pawn loan portfolio increased from approximately $350,000 to more than $1.2 million, while retail sales doubled.
Even after 27 years in the pawn industry, Roman demonstrated that meaningful growth is possible when proven business strategies are combined with commitment, accountability, and disciplined execution.
Beyond the financial results, what matters most to us is the lasting friendship, mutual respect, and trust developed over the years.
Thank you, Roman, for your friendship, confidence in PCG, and wonderful five-star Google review. Your success is why we do what we do!
Jerry Whitehead — Founder & Senior Strategic Advisor, Pawnshop Consulting Group, LLC
Share Your PCG Experience
If you have worked with Jerry Whitehead or Pawnshop Consulting Group, we would be honored to hear about your experience. Your story may help another pawnshop owner, operator or industry professional understand what committed, experience-based consulting can accomplish.
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